Can I get an Italian Mortgage?

Quick questions to check your Mortgage eligibility

I need an Italian Mortgage to

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MORTGAGE IN ITALY FOR FOREIGNERS

Top Italian Mortgage is an Italian credit brokerage company, specialized in securing mortgages on properties in Italy for foreigners, as well as working with Italian citizens resident outside of Italy with foreign income. We work with our clients to find a mortgage in Italy for purchasing or renovating a property.

Italy Mortgage

ACCEPTANCE CRITERIA

WHO IS ELIGIBLE?

  • Personal applicants (corporate mortgages at our discretion)
  • Income currency: EUR, GBP, USD, CAD, CHF, 
  • Residents in the countries in which the currencies mentioned above apply
  • Applicants both in regular employment and self-employed;

For income generated in a currency other than EUR, GBP, USD, CAD, CHF and for citizens of countries with other currencies we suggest booking a personalized consultation to provide in-depth information about your profile and receive feedback on the possibility of taking out a mortgage in Italy.

ELIGIBLE FOR FINANCE:

Purchase of primary residence or holiday home

  1. Habitable property fully compliant with local regulations
  2. Max 60% of the purchase price
  3. Max duration: 25 years

SMALL RENOVATION OF FIRST OR HOLIDAY HOME

  1. Required: tender documents and building permits
  2. Funding for up to 50% of the final value of the property
  3. Mortgage payable in a lump sum when project is complete

ACCEPTANCE CRITERIA

  • Max DTI ration (debt to income) 35% of the monthly income net of the existing commitments (i.e., loans, rents, mortgage loans, etc.)
  • Max age: no more than 75 years on final payment of mortgages
  • MAX duration: 25 years
  • Bank account in lender bank
  • All funds needed as equity for purchase to be transferred to the account in Lender bank before the closing date
  • All documents regarding financial status of applicant to be provided as certified translation in Italian

TYPES OF MORTGAGE

  • French Amortisation Schedule (fixed instalment payments including interest and principal payment);
  • Fixed rate (Max 20 years) and variable rate
  • No penalty for early redemption with both fixed rate and variable rate mortgages

CLIENT TESTIMONIALS

We are very impressed with the professional and friendly support we received from Fidea. The consultants guided us along the whole trajectory with care and competence. Should we score their job from 1 to 10 we would assign a full 10! Excellent experience. We felt we could fully trust them and we were not disappointed in our expectations. They took care of us from the beginning to the end.

Silvia and Basil Netherlands, 07/07/19

I would evaluate the work of the consultant who assisted me absolutely perfect from beginning to end. We could not have done it without Fidea. Professional, very experienced and deep insight and knowledge of the entire process. There was not a single question they could not answer. Also they really work fast and effective. They advised us all along perfectly and we are immensely grateful for the support throughout the entire process.

Stefanie and Andrea Switzerland, 03/07/19

Alessandro and Fidea team were exceptionally professional, constantly managed our expectations and never undelivered their promises. Really happy with the whole experience and would highly recommend Fidea. Your team went out of their way to support us and we were very highly impressed with the level of attention. The whole experience , from start to finish was managed impeccably.

Ruth and Carmelo UK, 07/01/2019

My experience with FIDEA could not have been better. Alessandro made the process so easy and handled everything quickly—even managing to move everything along during the Christmas holiday. I now am the proud owner of my dream apartment in Venice and could not be happier! I would recommend FIDEA to anyone sho has the dream of owning a small piece of Italy for themselves!

Molly New York, 18/04/2018
Read more feedbacks

Online mortgage calculator for month repayments on first/holiday home for individuals or companies.

Mortgage Calculator

Information on the costs of an Italian mortgage: registration fee, origination fee, brokerage costs etc.

MORTGAGE FEES IN ITALY

Here's the list of preliminary questions you can answer to check your Mortgage eligibility. Take the test.

Eligibility Test

WOULD YOU LIKE TO KNOW THE TAX AMOUNT RELATING TO YOUR PURCHASE?

Enter the purchase price: €



Purchase Fees
REGISTRATION DUTIES
MORTGAGE DUTIES
CADASTRAL DUTIES
VAT
TOTAL FEES
Enter cadastral value: €



Purchase Fees
REGISTRATION DUTIES
MORTGAGE DUTIES
CADASTRAL DUTIES
TOTAL FEES
Enter cadastral value: €



Purchase Fees
REGISTRATION DUTIES
MORTGAGE DUTIES
CADASTRAL DUTIES
TOTAL FEES
 
Enter the purchase price: €



Purchase Fees
REGISTRATION DUTIES
MORTGAGE DUTIES
CADASTRAL DUTIES
VAT
TOTAL FEES